RBC Royal Bank mortgage rates
RBC Royal Bank's lowest 5-year fixed rate on its own website was 4.84% (insured) when we read it on Nov 13, 2026. Its posted 5-year rate was 6.19%, 1.35 points higher. Its lowest variable was 4.10%. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial.
What are RBC Royal Bank's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 6-month | — | 5.74% | — | — | $3,122.17 |
| 1-year | 5.14% | 5.74% | 0.60 pts | $2,948.00 | $3,122.17 |
| 2-year | 5.14% | 5.74% | 0.60 pts | $2,948.00 | $3,122.17 |
| 3-year | 5.09% | 6.25% | 1.16 pts | $2,933.69 | $3,273.71 |
| 4-year | 5.14% | 6.09% | 0.95 pts | $2,948.00 | $3,225.83 |
| 5-year | 4.84% insured | 6.19% | 1.35 pts | $2,862.65 | $3,255.72 |
| 7-year | 5.25% | 6.50% | 1.25 pts | $2,979.59 | $3,349.12 |
| 10-year | — | 6.90% | — | — | $3,471.26 |
What does RBC Royal Bank's 5-year rate cost on $500,000?
| RBC Royal Bank special | 4.84%read Nov 13, 2026 |
|---|---|
| RBC Royal Bank posted | 6.19% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,862.65 → $3,255.72 |
| Interest difference over 5 years | $32,544 |
Open this example in the calculator →Computed Nov 13, 2026.
Which RBC Royal Bank rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | posted | 5.74% APR 5.99% | — | page |
| 1-year | Fixed | Not split | special | 5.14% APR 5.27% | — | page |
| 1-year | Fixed | Not split | posted | 5.74% APR 5.87% | — | page |
| 2-year | Fixed | Not split | special | 5.14% APR 5.20% | — | page |
| 2-year | Fixed | Not split | posted | 5.74% APR 5.80% | — | page |
| 3-year | Fixed | Not split | special | 5.09% APR 5.13% | — | page |
| 3-year | Fixed | Not split | posted | 6.25% APR 6.29% | — | page |
| 4-year | Fixed | Not split | special | 5.14% APR 5.17% | — | page |
| 4-year | Fixed | Not split | posted | 6.09% APR 6.12% | — | page |
| 5-year | Variable | Insured | special | 4.10% prime − 0.60 APR 4.13% | — | page |
| 5-year | Variable | Not split | special | 4.40% prime − 0.30 APR 4.43% | — | page |
| 5-year | Variable | Not split | posted | 4.70%* prime + 0.00 APR 4.73% | — | page |
| 5-year | Fixed | Insured | special | 4.84% APR 4.87% | — | page |
| 5-year | Fixed | Not split | special | 5.14% APR 5.17% | — | page |
| 5-year | Fixed | Not split | posted | 6.19% APR 6.22% | — | page |
| 7-year | Fixed | Not split | special | 5.25% APR 5.27% | — | page |
| 7-year | Fixed | Not split | posted | 6.50% APR 6.52% | — | page |
| 10-year | Fixed | Not split | posted | 6.90% APR 6.91% | — | page |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 13, 2026; check the lender's page before relying on any rate.
How does RBC Royal Bank charge to break a mortgage early?
Prepayment and penalties
We didn't find RBC Royal Bank's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a RBC Royal Bank posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Bank lending across Canada. Prime rate 4.70% as stated on its site (as of Nov 13, 2026).
MortgageRateToday.ca isn't affiliated with RBC Royal Bank and isn't paid by any lender.
Frequently asked questions
What is RBC Royal Bank's 5-year fixed mortgage rate?
On Nov 13, 2026, RBC Royal Bank's own website showed 4.84% (insured) for a 5-year fixed and a posted 5-year fixed rate of 6.19%. Rates change often; check the lender's page.
What is RBC Royal Bank's variable mortgage rate?
The lowest closed variable rate on its page was 4.10% (prime − 0.60) for a 5-year term, with RBC Royal Bank's prime at 4.70%.